@DanaB27 So I have had a very small roth IRA that I opened up in 2003 but have not added any funding to it since. The excess contribution was made in 2021 to a different account with a different custodian. Previously you mentioned that the IRS from their perspective essentially "consolidates" and treats all roth accounts as one. So would the 5 year holding rule apply in my case since I opened a roth account back in 2003 or does it apply to each contribution and the date the contribution was made?
